CALDIX
ActiveCALDIX has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €-19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency76▼-22
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 9.92 against 2.99 in 2024; short-term debt: 9% and cash: 59.4% of total assets), and 48.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.1%
Return on assets
-48.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
66 d early
2024
76 d early
2023
34 d early
2022
61 d early
2021
68 d early
2020
51 d early
2019
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-19k
2024 · €17k
2018: €42k
2019: €7k
2020: €53k
2021: €56k
2022: €74k
2023: €52k
2024: €17k
2018 → 2025
Working capital
€32k▲ 12.8%
2024 · €28k
2018: €39k
2019: €50k
2020: €50k
2021: €64k
2022: €91k
2023: €96k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€100k▲ 35.7%€102k▲ 2.2%€39k▼ 61.5%€20k▼ 48.8%
Operating result€71k-€97k▲ 37.5%€66k▼ 31.6%€25k▼ 63.0%€-18k
Net result€56k-€74k▲ 31.7%€52k▼ 29.4%€17k▼ 67.2%€-19k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€4k▼ 63.2%
Current assets
€35k▼ 16.5%
Equity and liabilities €40k
Equity
€20k▼ 48.8%
Debt
€19k▲ 33.0%
The debt ratio rises from 26.9% to 48.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-12k▼
2024 · €29k
Cash flow
€-13k▼
2024 · €21k
Solvency
51.1%▼
2024 · 73.1%
Current ratio
9.92▲
2024 · 2.99
Quick ratio
9.92▲
2024 · 2.99
Debt / equity
0.96▲
2024 · 0.37
ROE
-95.3%▼
2024 · 43.5%
ROA
-48.7%▼
2024 · 31.8%
Interest coverage
-12.41▼
2024 · 80.56
Debt
€19k▲
2024 · €15k
Debt ≤ 1 year
€4k▼
2024 · €14k
Debt > 1 year
€15k
Income taxes
€148▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€54k€40k▼
Fixed assets21/28€12k€4k▼
Tangible fixed assets22/27€12k€4k▼
Furniture and vehicles24€10k€3k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€42k€35k▼
Amounts receivable within one year40/41€5k€9k▲
Trade receivables40-€5k
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€35k€23k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€54k€40k▼
Equity10/15€39k€20k▼
Contributions10/11€19k€19k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€2k€-17k▼
Amounts payable17/49€15k€19k▲
Amounts payable after more than one year17-€15k
Other amounts payable178/9-€15k
Amounts payable within one year42/48€14k€4k▼
Trade debts44€8k€2k▼
Suppliers440/4€8k€2k▼
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€926€1k▲
Accrued charges and deferred income492/3€450€785▲
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€905€935▲
Gross operating margin9900€29k€-11k▼
Operating profit (loss)9901€25k€-18k▼
Financial income75/76B€470€477▲
Recurring financial income75€470€477▲
Financial charges65/66B€616€2k▲
Recurring financial charges65€354€961▲
Non-recurring financial charges66B€262€541▲
Profit (loss) for the period before taxes9903€24k€-19k▼
Income taxes67/77€7k€148▼
Profit (loss) for the period9904€17k€-19k▼
Profit (loss) for the period to be appropriated9905€17k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€-17k▼
Profit (loss) brought forward from the previous period14P€82k€2k▼
Transfer to equity691/2€17k-
To other reserves6921€17k-
Profit to be distributed694/7€80k-
Return on contributions (dividend)694€80k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-19k ▼212%
Net result drops to €-19k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 9.92
Current ratio from 2.99 to 9.92; short-term debt falls from €14k to €4k.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €74k ▲31.7%
Operating result €97k, net result €74k, both a record.
31-12
Financial
Equity above €100kEq €100k ▲35.7%
5 profitable years in a row build equity to €100k.
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Waterloo · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chemin des Noces 521410 WaterlooGround area
719 m²
Building footprint
147 m²
Parcel 25110B0191/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chemin des Noces 52, 1410 Waterloo
since 20172.265.370.761
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0191/00F000 | Wallonia | 719 m² | 1 · 147 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 5,794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2017
Fiscal year end31-12
Abbreviation FR
CALD'X
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.